NOT AUTHORISED PAYMENT

I was told that my ad free account was due for renewal a couple of months ago, I decided not to renew and went through the jumping of hoops process to make sure I would not  have money taken from my account as I no longer required this service. I received an e mail to confirm that I would not be subscribed to this service any longer and that payment would not be taken. Two days ago I looked at my card statement and found that payment had been taken and I was still subscribed to this ad free service. I have tried to contact billing and payments only to be fobbed off to other departments all over Asia, when I finally managed to get to the right person the line was so bad that I could not hear what was being said and they could not hear me !!.These calls have been costing me money all the time and even when I got through to complaints they kept me hanging on and then dropped the call on me .This happened to me last year also so I let it go having thought that a renewal was not possible again as my credit card details held by Microsoft were now invalid as this card had now expired and could not be used. To my horror I find that somehow Microsoft have gained access to another of my cards without permission and have used that for payment !.I would like some explanation on this matter please as I feel I have been cheated by Microsoft and that as far as I am concerned an illegal charge has been made and if this is not resolved I will be reporting it to the authorities as theft !!.I sincerely hope that a Microsoft moderator sees this post and will act on it accordingly.